For the year 2025, FHA loan limits in Seaside county within Monterey, CA, are $915,400 for single-family homes, $1,171,900 for 2-unit properties, $1,416,550 for 3-unit buildings, and $1,760,400 for 4-unit complexes.
Conventional loans allow a maximum of $915,400 for single-family residences, $1,171,900 for duplexes, $1,416,550 for triplexes, and $1,760,400 for fourplexes.
Utilize our FHA calculator to access the best available FHA rates today and assess the necessary down payment, income, credit scores, and documentation required to qualify.
Using the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates data from numerous lenders, providing quick comparisons based on your unique financial needs and profile.
Explore the Loan Limits Comparison Table for 2025 in Seaside, Monterey, CA. It compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To examine qualification aspects like income, reserves, and credit, utilize Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| USDA | $683,500 | $683,500 | $683,500 | $683,500 |
| VA | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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